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Celebrating Local Heroes at the Aviva Broker Community Fund Awards 2025 We’re delighted to announce that Kingswood Community Transport has been awarded a £10,000 grant at the prestigious Aviva Broker Community Fund Awards. As a local initiative dedicated to supporting isolated and vulnerable individuals, this funding will help them continue their incredible work in Kingswood and the wider Bristol area. What Are the Aviva Broker Community Fund Awards? Organised by Aviva Broker UK, this annual event recognises the positive impact insurance brokers and community partners have across the UK. The awards bring together professionals and community leaders for an evening that’s all about giving back and celebrating change-makers. Hosted by rugby legend Will Greenwood, along with David Martin and Michelle Taylor from Aviva, the event was a heart-warming celebration of real stories, meaningful partnerships, and community-led initiatives. Why Kingswood Community Transport Matters Kingswood Community Transport provides affordable, accessible transport to individuals who might otherwise struggle to get around — including elderly residents, people with disabilities, and those facing social isolation. With this £10,000 grant, the organisation can further expand its reach, support more users, and maintain its fleet of accessible vehicles. This funding ensures more people in South Gloucestershire can stay independent and connected.

The Importance and Benefits of Motor Breakdown Cover Imagine you're driving on a long journey, and suddenly, your car breaks down in the middle of nowhere. Without the right cover, this could be a stressful and costly experience. This is where motor breakdown insurance comes in—a safety net that ensures you’re never stranded or left to deal with unexpected repairs on your own. Why Motor Breakdown insurance is Essential Breakdowns can happen at any time, and whether it’s a flat battery, engine failure, or a punctured tire, having a reliable breakdown cover can make all the difference. Here’s why it’s essential: Peace of Mind  – Knowing that help is just a phone call away provides reassurance, whether you're close to home or traveling long distances. Minimised Disruption  – A breakdown can throw off your entire schedule, especially if you're on your way to work or an important event. With breakdown cover, you get quick assistance to get back on the road. Avoid High Recovery Costs  – Without insurance, calling out a breakdown service can be expensive, especially if your car needs towing. Key Benefits of Motor Breakdown Insurance 24-Hour Helpline Service~ Access to a dedicated helpline ensures you can request assistance at any time of the day or night. Roadside Assistance~ If your vehicle breaks down on the road, an engineer will be dispatched to help diagnose and fix the issue. Roadside Repairs~ Many minor faults can be fixed on the spot, helping you get back on the road quickly. Recovery Service~ If the problem can’t be resolved immediately, your vehicle will be transported to a garage or a location of your choice. Get You to Your Destination~ Alternative transport options may be arranged to ensure you can continue your journey even if your car is out of action. Message Relay~ If you’re delayed due to a breakdown, a message relay service can inform family, friends, or colleagues of your situation. Home Breakdown~ Assistance isn’t just limited to the roadside—if your vehicle won’t start at home, help is available to get it moving again. No Vehicle Age Restrictions~ Unlike some providers, our breakdown cover has no age restrictions on vehicles, meaning you can secure protection regardless of your car’s age. Cost-Effective Protection~ Paying for a one-off breakdown recovery service can be costly. A dedicated policy spreads the cost, ensuring you get reliable assistance whenever you need it without unexpected expenses. Final Thoughts Motor breakdown insurance is an invaluable investment for any driver. It ensures you're never left stranded and can turn a potentially stressful situation into a manageable one. Whether you're commuting daily or embarking on a road trip, having comprehensive breakdown cover means you can drive with confidence, knowing help is always available when you need it most. If you're looking for a trusted provider with first-class service, get in touch today and ensure you’re covered for any unexpected breakdowns on the road

In the heart of Kingswood, a quiet but powerful force is helping keep the community connected: Kingswood Community Transport (KCT) . While often overlooked in larger discussions about local infrastructure and social services, community transport plays a vital role in ensuring that no one in Kingswood is left behind—particularly the elderly, people with disabilities, and those who struggle with public transport access. What is Kingswood Community Transport? Kingswood Community Transport is a non-profit initiative aimed at offering affordable, reliable, and accessible transport options for people who may otherwise face mobility challenges. Unlike mainstream public transport services, KCT is designed with inclusivity and local needs in mind, offering a lifeline for residents who depend on it to stay connected with essential services and social activities. Key Services Provided Dial-a-Ride Services : Residents who cannot easily access regular buses or trains can book KCT to travel door-to-door. Whether it’s a trip to the GP, a supermarket run, or attending a local club, Dial-a-Ride makes independence possible. Group Transport : Local community groups, charities, schools, and churches can hire KCT’s accessible minibuses for outings, events, and regular meetings. Volunteer Driver Scheme : With help from trained local volunteers, KCT extends its reach and ensures flexible, personal support for individ

Why Home Emergency Insurance is Essential for Every Homeowner Your home is your safe haven, but unexpected emergencies can disrupt your comfort and security. From a broken boiler in the dead of winter to a sudden plumbing disaster, home emergencies can happen when you least expect them. This is where home emergency insurance comes in—providing rapid assistance to prevent further damage, restore safety, and reduce risks to you and your family. What is Home Emergency Insurance? Home emergency insurance is designed to offer immediate support when urgent issues arise in your home. It ensures that a professional contractor is dispatched quickly to assess and temporarily fix the problem, so your home remains safe and comfortable. Why You Need Home Emergency Cover Emergencies don’t just cause inconvenience—they can lead to expensive repairs and serious health and safety risks. Here’s why every homeowner should consider home emergency insurance: Immediate Assistance  – Get rapid help when you need it most, reducing the stress of unexpected breakdowns or damages. Prevents Further Damage  – Addressing emergencies quickly helps to minimize damage and avoid costly repairs down the line. Ensures Home Security  – If an emergency compromises the safety of your home, such as a broken door or window, emergency cover ensures a prompt response. Reduces Health Risks  – Issues like gas leaks, electrical failures, and broken boilers can pose serious health hazards. Emergency insurance ensures fast intervention to keep your home safe. Key Benefits of Home Emergency Insurance Boiler and Heating System Repairs~ If your boiler breaks down, especially during cold weather, we arrange for a professional contractor to restore heating and hot water as quickly as possible. Plumbing and Drainage Assistance ~ Burst pipes, blocked drains, and leaks can cause significant water damage. Emergency cover ensures a contractor is sent to resolve the issue promptly. Electrical Failure Coverage ~ Sudden power outages due to internal wiring faults can leave you without electricity. Emergency assistance helps restore power and safety to your home. Security and Lock Repairs~ If your home’s security is compromised due to a broken door lock or window, emergency services can secure your property quickly. Roof Damage Protection~ Severe weather can lead to damage such as leaks or missing tiles. Emergency insurance provides immediate help to prevent further deterioration. Pest Infestation Support~ If your home is invaded by pests such as rodents or wasps, professional assistance is arranged to eliminate the problem. Alternative Accommodation Costs~ If your home becomes temporarily uninhabitable due to an emergency, your insurance may cover the cost of hotel accommodation until repairs are completed. Final Thoughts Home emergencies can be unpredictable, but with the right insurance, you don’t have to face them alone. Home emergency insurance provides the peace of mind that, no matter what happens, expert help is just a call away. Investing in this cover means protecting your home, your family, and your financial stability against unforeseen disasters. If you’re looking for reliable home emergency cover, get in touch today to find the best plan for your needs!

Directors & Officers (D&O) insurance is often misunderstood, yet it is an essential safeguard for company leaders. Whether you run a limited company, a PLC, or a partnership, protecting yourself from legal and financial risks is crucial. Here are ten compelling reasons why you should have D&O insurance in place: 1. Personal Liability Protection Company directors and officers can be held personally liable for alleged mismanagement or breaches of duty. Without D&O insurance, your personal assets could be at risk if legal claims arise. 2. Protection for SMEs Small and medium-sized enterprises (SMEs) face the same legal risks as large corporations but often lack in-house legal teams or HR support. D&O insurance helps level the playing field by offering essential coverage. 3. Coverage for Legal Defence Costs Legal battles can be costly. If a claim is made against you, D&O insurance covers legal defence costs, ensuring you have the best possible representation without financial strain. 4. Health and Safety Prosecutions Certain industries face stricter health and safety regulations. If your company is investigated for a safety breach, D&O insurance can cover the associated legal expenses. 5. Regulatory Investigations Regulatory bodies frequently conduct investigations that can result in significant legal costs. D&O insurance helps cover these expenses, reducing financial pressure. 6. Reputation Management and PR Costs An allegation—whether proven or not—can damage your business’s reputation. Many D&O policies include coverage for hiring PR professionals to mitigate reputational harm. 7. Cover for Multiple Directorships If you sit on multiple boards or serve as an officer for a charity, your D&O insurance may extend to these roles, offering wider protection across different ventures. 8. Employment Practice Claims Employment disputes, such as wrongful termination or discrimination claims, can be costly. D&O insurance covers defence costs and potential settlements. 9. Restrictive Covenant Disputes If a former employee breaches their restrictive covenant or your business faces similar allegations, D&O insurance can help cover the legal costs associated with pursuing or defending such claims. 10. Data Breach Defence With increasing cyber threats, data breaches can result in personal liability claims against directors. Some D&O policies provide coverage for defending against data breach-related lawsuits. Final Thoughts Directors & Officers insurance is not just for large corporations—it’s a critical safety net for business leaders in all sectors. Investing in D&O cover ensures you are prepared for legal and financial challenges, giving you peace of mind to focus on growing your business. If you need expert advice on the right D&O policy for your business, reach out to our team at Ashley Rodwell Insurance today.

As a property owner, safeguarding your investment is crucial. Whether you’re renting out residential homes, commercial property, or managing unoccupied properties, the right landlord insurance policy is your best ally. In this guide, we’ll break down the key types of insurance you should consider as a landlord, helping you ensure comprehensive protection for your properties. What Is Landlord Insurance? Landlord insurance is designed specifically to protect property owners from risks associated with renting out their properties. Unlike standard homeowners insurance, landlord insurance covers additional risks, including tenant-related damages, liability claims, and unoccupied property risks. Here are the key types of landlord insurance policies every property owner should know about: Landlord Buildings and Contents Insurance This insurance covers physical structures and contents owned by the landlord. It provides financial protection in the event of damage caused by: Fire, floods, or storms. Vandalism or theft. Accidental damage. For landlords of commercial property or occupied residential units, this coverage ensures the costs of repairs and replacement are manageable. If your property is unoccupied between tenancies, it’s essential to confirm that your policy includes coverage for vacant periods, as some insurers may impose restrictions. Public and Property Owners Liability Insurance Liability insurance is crucial for protecting landlords against legal claims. It covers: Injuries to tenants, visitors, or contractors on your property. Damage caused by your property to third-party assets. For example, if a tenant’s guest trips on a loose floorboard and files a lawsuit, this insurance can cover legal fees and compensation. Public liability is especially vital for landlords managing commercial property, where foot traffic is higher, increasing the risk of accidents. Residential Management Liability Insurance Residential management liability insurance protects landlords or property managers from claims related to the management of their properties. It’s particularly useful for those overseeing multiple units or working as part of a residential property management company. This policy covers: Employment disputes with staff. Disputes over tenancy agreements. Allegations of wrongful eviction or discrimination. Having this policy in place ensures you’re financially protected from administrative or management-related legal claims. Why Is Landlord Insurance Essential for Both Occupied and Unoccupied Properties? Whether your property is occupied by tenants or temporarily unoccupied, risks remain. Here’s why landlord insurance is essential: Occupied Properties: Protects against tenant-related risks such as accidental damage or unpaid rent. Covers public liability for tenants and their visitors. Unoccupied Properties: Provides coverage during vacant periods when properties are more vulnerable to vandalism, theft, or weather-related damage. Ensures you’re not left financially exposed while waiting for new tenants. Choosing the Right Insurance for Your Commercial Property If you’re renting out commercial property, your insurance needs may differ from those of residential landlords. Commercial property insurance policies often include bespoke coverage for: Business interruption. Damage to fixtures and fittings. Legal disputes with commercial tenants. Partnering with an experienced insurance broker can help tailor a policy that fits your unique needs as a commercial property landlord. Final Thoughts: Protecting Your Investment Landlord insurance isn’t just a safety net; it’s a proactive way to protect your property, income, and peace of mind. Whether you own a single residential unit, manage multiple commercial properties, or oversee unoccupied properties, having the right policies in place is essential. For expert advice on selecting the best landlord insurance for your needs, contact Ashley Rodwell Insurance. Our team specializes in crafting tailored insurance solutions for property owners across the UK. Secure your investment today with the right coverage—because your property deserves nothing les

For over 40 years, Ashley Rodwell Insurance has been a cornerstone of the Kingswood community, offering reliable and personalized insurance solutions. As one of the leading Bristol insurance brokers, our story is rooted in commitment, innovation, and a deep understanding of what our clients need. Let’s take a closer look at the journey that has shaped Ashley Rodwell Insurance into the reputable name it is today. Humble Beginnings in Kingswood Ashley Rodwell Insurance was founded in the heart of Kingswood in 1984 with a clear vision: to provide the local community with tailored insurance solutions and exceptional customer service. From a small office with a dedicated team, we grew into a trusted name among Bristol insurance brokers. Our humble beginnings reflect our enduring commitment to serving local residents with care and expertise. Growing with the Community As Kingswood and the surrounding Bristol area flourished, Ashley Rodwell Insurance expanded to meet the increasing demand for comprehensive insurance services. By the 1990s, we offered a wide range of policies, including home, motor, and commercial insurance. Our focus on understanding the unique needs of each client has helped us build strong, lasting relationships—making us a go-to choice for anyone searching for Bristol insurance brokers. Embracing Innovation The insurance industry has evolved rapidly over the years, and Ashley Rodwell Insurance has embraced these changes to stay ahead. From adopting cutting-edge digital tools for policy management to simplifying the claims process online, we’ve consistently focused on improving our clients’ experience. Despite technological advancements, we’ve maintained the personal touch that sets us apart from other Bristol insurance brokers. Why We Stand Out Among Bristol Insurance Brokers When choosing Bristol insurance brokers, it’s essential to consider experience, reliability, and local expertise. At Ashley Rodwell Insurance, we bring together decades of industry knowledge with a genuine commitment to client satisfaction. Our team’s dedication to personalized service and tailored solutions makes us a trusted partner for individuals and businesses alike. Looking Ahead: The Future of Ashley Rodwell Insurance As we celebrate over four decades of serving Kingswood and the wider Bristol area, we’re excited about the future. Our mission remains to provide comprehensive, reliable insurance solutions that cater to our clients’ evolving needs. Whether you’re a first-time policyholder or a long-standing customer, Ashley Rodwell Insurance is here to offer unparalleled service.

What is Cyber Insurance? Cyber insurance is a type of coverage designed to help businesses mitigate the financial impact of cyberattacks, data breaches, and other technology-related risks. Whether your company is facing a ransomware attack or dealing with the fallout from a data breach, cyber insurance helps cover the expenses and liabilities that can arise from these incidents. The coverage generally includes both first-party  and third-party  protection: First-party coverage : Protects your business directly, covering costs such as data recovery, business interruption, and ransomware payments. Third-party coverage : Covers legal and settlement costs if your business causes harm to other parties, such as customers or partners, in the event of a breach. How Cyber Insurance Protects Your Business 1. Protection Against Financial Loss A cyberattack or data breach can lead to significant financial losses. These costs can include paying ransom in a ransomware attack, legal fees from lawsuits, fines for data protection violations, and the cost of business downtime. For small businesses especially, these expenses can be catastrophic. Cyber insurance can help cover these unexpected costs, ensuring that your company is financially protected and can recover quickly from a cyber incident. 2. Data Recovery and Restoration When a cyberattack compromises your data, restoring that information can be complex and costly. Cyber insurance helps by covering the costs of data recovery services, so your business can get back to normal as quickly as possible. This includes hiring experts to retrieve lost files or fix compromised systems. 3. Liability Coverage for Data Breaches If your business suffers a data breach involving customer or employee data, you could be liable for the damage. The legal consequences of a breach can include lawsuits, penalties, and the cost of notifying affected parties. Cyber insurance helps cover the expenses of managing the breach, including legal fees, notifications, credit monitoring services for affected individuals, and any regulatory fines. 4. Reputation Management After a cyberattack, your company’s reputation may suffer if customers lose confidence in your ability to protect their data. Cyber insurance often includes coverage for public relations efforts, helping to restore your company’s image and rebuild trust with customers, partners, and other stakeholders. 5. Expert Assistance and Legal Support Cyber incidents can involve complex legal and regulatory challenges. Cyber insurance provides access to legal experts who can guide your business through the intricacies of data protection laws, breach notifications, and other compliance issues. This ensures that you’re taking the right steps to minimize the legal impact of a breach and stay in compliance with the law. Why Cyber Insurance is Crucial for Your Business Cyber insurance isn’t just for large corporations—small businesses are equally vulnerable to cyber threats. Whether you run a small tea room, a tech firm, or a publishing company, you’re at risk. With 74% of small businesses facing data breaches and ransomware attacks impacting more than 200,000 computers worldwide, it’s clear that no one is immune. Cyber insurance can be a vital safety net, offering financial protection and critical support in the event of a cyberattack. It can help cover the costs of recovery, minimize business disruptions, and even manage reputational damage, ensuring that your business can bounce back with minimal setbacks. Additionally, many insurers provide proactive services like cybersecurity assessments, risk management advice, and employee training to help businesses avoid cyber incidents in the first place. This can be invaluable in reducing the likelihood of an attack and keeping your business safer overall. Conclusion In an era where cyber threats are becoming increasingly sophisticated and frequent, cyber insurance is an essential tool for protecting your business and its assets. By covering financial losses, data recovery, legal liabilities, and reputation management, cyber insurance can provide the support your business needs to survive and thrive after an attack. Remember, the threat of a cyberattack is real, and no business is too small to be targeted. Whether you’re running a small family-owned business or a growing tech startup, investing in cyber insurance is one of the most effective ways to ensure your company’s long-term security and resilience. If you’re unsure whether your business is adequately protected, now is the time to talk to an expert and explore how cyber insurance can safeguard your operations in the face of rising cyber risks.

For over 40 years, Ashley Rodwell Insurance has been a trusted name in the community, committed to protecting what matters most to our clients. From home and auto insurance to life and commercial policies, we’ve always focused on providing peace of mind. Now, we’re expanding our services to include health insurance policies, designed to support you and your family through life’s health challenges. Why Health Insurance? Health insurance is a critical part of a strong financial foundation. Medical expenses can be unpredictable and costly, making it essential to have the right coverage in place. Our health insurance policies offer comprehensive support, covering everything from routine doctor visits to specialist care and unexpected hospital stays. At Ashley Rodwell Insurance, we understand that health needs vary from person to person. That’s why we’re offering a range of policy options, ensuring you can find coverage that fits your unique lifestyle, health requirements, and budget. What Our Health Insurance Policies Offer Our new health insurance plans provide: Preventative Care : Coverage for routine checkups, vaccinations, and screenings to keep you healthy and catch issues early. Specialist Services : Access to a network of specialists when you need expert care, without the stress of high out-of-pocket costs. Hospital Stays and Emergencies : Financial support for hospital visits, surgeries, and emergency treatments. Mental Health Services : Because mental health is just as important as physical health, our policies also include options for counseling and therapy services. We believe everyone deserves access to quality healthcare without the fear of overwhelming medical bills. With our tailored health insurance policies, you can feel confident that your health needs are in safe hands.

While having insurance is essential, not having enough  coverage—known as being underinsured—can leave you vulnerable. Being underinsured can result in financial hardship, limited claim payouts, and higher future premiums. Here’s why it’s important to review your coverage regularly and avoid the pitfalls of underinsurance. 1. What Does It Mean to Be Underinsured? Being underinsured means that your current coverage limits are insufficient to fully protect your assets or financial interests in case of a loss. This could happen with any type of insurance, whether it’s home, health, auto, or business. For example, you might carry home insurance but lack enough coverage to rebuild your property after a severe incident, or have health insurance that doesn’t cover significant medical treatments. 2. Financial Consequences of Insufficient Coverage One of the biggest risks of underinsurance is the financial impact. If your coverage is too low to cover the full cost of a claim, you’ll be responsible for paying the difference out of pocket. For example, if your home is insured for £200,000 but rebuilding costs rise to £300,000, you could be left with a £100,000 shortfall. This financial burden can be overwhelming, especially in situations where you might already be facing loss or recovery costs. 3. Limited Claim Payouts When you're underinsured, claim payouts are limited to your coverage limit. Insurance companies evaluate losses based on the amount you insured your assets for, not necessarily their full value. For instance, with auto insurance, if your policy covers only basic damages and you’re in a major accident, you may not receive enough compensation to replace your vehicle. Being underinsured also means that insurers might apply “co-insurance” penalties, where you’re required to cover a certain percentage of the loss due to inadequate coverage. This further reduces the payout amount and increases your out-of-pocket costs. 4. Increased Premiums on Future Policies Having a history of underinsurance can impact future premiums, especially if it results in large, partially covered claims. Insurers consider your past claims history, and if you’ve consistently been underinsured, it may indicate to insurers that you’re a higher risk. This can lead to increased premiums or stricter policy conditions when you apply for future coverage. 5. Limited Access to Future Insurance Products Underinsurance could limit the types of policies or benefits available to you in the future. For example, if you make multiple claims due to inadequate coverage, some insurers might consider you a higher risk and limit your access to more comprehensive products. For those seeking specialized or high-value coverage, maintaining sufficient coverage is crucial to qualifying for these advanced products. 6. Legal Risks and Non-Compliance Penalties In some areas, specific insurance policies have minimum coverage requirements, especially in auto and business insurance. Not meeting these minimums could result in penalties or even legal consequences. For instance, driving with inadequate liability coverage could lead to fines or the suspension of your driving privileges if you’re involved in an accident and found to be underinsured. 7. Protecting Against Inflation and Rising Costs One common reason for being underinsured is that coverage limits may not keep up with inflation or rising costs. The cost of repairs, replacement, and medical care may increase over time, and a policy taken out several years ago might not reflect current values. Regularly reviewing and adjusting your coverage can help ensure that your insurance will cover you adequately as costs evolve. 8. Missing Out on Full Protection and Benefits When you have sufficient coverage, you gain the confidence that your insurance will protect you fully if the unexpected occurs. Being fully insured allows you to make the most of policy benefits, from larger claim payouts to lower out-of-pocket costs. By avoiding underinsurance, you can access the financial protection you need without compromise.